403 Raymond Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 403 Raymond Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on Record
Last Sale	$223,000 (Jun 2024)
Tax Bill	$2,620 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17.01024.00`

Property Details

APN / Parcel Number

Primary APN	`17.01024.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	403 RAYMOND AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-009 BLOCK-031
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	31
Legal Lot Number	9
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4016
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 30, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Feb 7, 2018	Warranty Deed, Transfer
Dec 15, 2017	Quit Claim Deed, Transfer Quitclaim
Mar 10, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2024 · Amount on Record
Deed Sale	Jun 24, 2024 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	2024472286
Prior Transfer Date	Dec 15, 2017
Prior Transfer Doc	0000426861
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 1, 2021
Property Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343
Document Number	0000455002
Instrument Date	Aug 20, 2021
Instrument	455002
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343

Mortgage

Document Number	0000455003
Date	Sep 1, 2021
Instrument	455003

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 30, 2019
Property Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343
Document Number	0000436015
Instrument Date	May 21, 2019
Instrument	436015
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343

Mortgage

Document Number	0000436016
Date	May 30, 2019
Instrument	436016

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 7, 2018
Property Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343
Document Number	0000427704
Instrument Date	Jan 31, 2018
Instrument	427704
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Dec 15, 2017
Property Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343
Document Number	0000426861
Instrument Date	Dec 15, 2017
Instrument	426861
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Mar 10, 2017
Property Address	403 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343
Document Number	0000421455
Instrument Date	Mar 8, 2017
Instrument	421455
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,620.00 (+67.73%) Homeowner's exemption	$167,900 (-) Land $25,000 Building $142,900	$167,900 (-) Land $25,000 Building $142,900
2025	$1,562.00 (-0.38%) Homeowner's exemption	$167,900 (+17.49%) Land $25,000 Building $142,900	$167,900 (+17.49%) Land $25,000 Building $142,900
2023	$1,568.00	$142,900 Land $25,000 Building $117,900	$142,900 Land $25,000 Building $117,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 29, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Saint Cloud serves 71,321 people · EPA ID MN1730027
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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